 Can you get insurance on musical equipment? |
| i have 4 guitars and a marshall amp........ |
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 If your car is a total loss due to an accident? |
Will the ins company give me a check for the blue book value? thanks
Additional Details
the car is paid ... |
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 Can a health insurance company deny a claim when they initially said they would pay it?? |
| I went to the dentist because I dislocated my jaw. The dentist had to fit me for a splint to set it but only after the office's billing person came in and explained that she had spoken with my ... |
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 What should I do if I get a bill from the Medical Carrier and I don't have insurance? |
| I have no Insurance, but recently I was in the hospital for something I got better, but i just received a bill coming from Blue Shield of CA. asking for me to pay? What should I do? Can I tell the C... |
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 Please answer somebody-911? |
| I was in an accident 6 months ago (not my fault) the other driver had no insurance. Now, my lawyer says that he can only get me $15,000 in accordance with my policy. However, medical and other bills ... |
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 Am looking to get life insurance. I am only 25 years old but have a 1 yr old daughter. What type of coverage s |
| should I get and which companies should I look into? I am looking for something fairly reasonable but with good coverage. Any other advice/help would be appreciated as I know nothing about this!... |
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 Primerica Insurance? |
Can anyone tell me WHY Primerica's Level Term insurance is bad? What is wrong with it?
Additional Details
Richard, I was looking at another answer and saw a person say we should ... |
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 I read that 4 out of 10 people don't have no health insurance.Do you have any health insurance? |
| I wonder why people would not have this when their is such an affordable plan that can save people tons of money???... |
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 Is it possible for a 6-year recovered alcoholic to get life insurance? |
| I have also been prescribed both Wellbutrin and Zoloft for the past several years...Does that mean that "I've been diagnosed with a 'Mental Illness' as so stated on many Term I... |
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 Can an employer make you pay for damages to a car......? |
| At a car dealership, if you have an accident in one of the company's cars, new or used, can they make the employee pay for the damages? Isnt that what insurance is for?... |
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 My car is totaled, city is at fault I have mild neck pain howmuch should I settle for? |
| no credit card, so no rental. I feel being stuck is form of pain and suffering. No way to carry tools, so cant work. Broke cellph. in mishap, also. Had to walk over 10 miles to get new phone. Now, ... |
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 Is a ULIP a good investment/insurance tool in India?if so pls explain why? |
has anyone hand any experience with max new york life insurance? are they a good company?
Pls refer me to a website where I can do further research if relevant.... |
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 Do you have to pay insurance on an apartment? |
| i am going to be moving out soon and i want to know if i need to pay for insurance for an apartment.... |
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 Health insurance? |
| I left my job about a couple of months back.Im actively looking for a job and hoping to land something by next month.Im eligible for COBRA benefits through my former employment.I still have time to ... |
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 Life insurance? |
| I have term life insurance with state farm one day while talking to a state farm agent the requested an insurance called universal life insurance and they would send me some info they never did even ... |
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 Low cost healthcare? |
| I lost my insurance about a year and a half ago and have not been able to obtain more since. I currently trying to get work but will have to work as a contractor for a while. The only insurance ... |
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 Insurance ripoff? |
| Can anyone advise please once offered a ridiculous sum off my insurance due to stolen vehicle what I should do next to appeal? is this common practice for an insurance company to offer such a ... |
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 Told this morning that my insurance ends in 4 days. Is this legal? ? |
I was just told this morning that my insurance (and job) will end in 4 days. It is because of the economy. I am the last of hundreds...
I cannot get Cobra coverage that fast. They can'... |
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 My wife is 27 weeks pregnant and I don't have health insurance, how can I get one? NO GOVERNMENT PLANS? |
| I don't qualify for any government plan like medicaid or similar, I need private insurance and I am self employed so I have no group or company insurance, any suggestions??????... |
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Jared K | If i pay cash for a home do i have to carry insurance on it? |
also if i wait to move into it would there be any other costs besides taxes? thanks |
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mbrcatz
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No, you don't. Insurance on a home isn't a legal requirement - it's a contractual requirement, with a lender. No lender, no requirement.
Costs besides taxes - maybe utilities. |
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Dave1001
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Common sense requires it. The thinking behind this is that one insures what one cannot afford to lose. In your case, a house. If you have loads of money and losing a house in a fire is no big deal, fine. Be self-insured. If you are like most people, this would be a big hit financially.
Also, let's assume that your dog bites someone. They sue you for $100,000 for emotional distress, not to mention the scarring that will haunt them for the rest of their life. If you don't have insurance, guess what? You now have a new landlord! He hired a personal injury attorney and put a lien on your house.
Bottom line, getting home insurance is not just about keeping a mortgage company happy. There's a reason they require it, and for that you reason, you should too. They didn't get all of their lending money by being stupid. |
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Insurance
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even the house is fully paid up, it is good to have insurance to cover against
1) Fire
2) Content
This is for your own benefits in the event of any unforeseen circumstances. It take years to save $$$$$$$ |
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patricialer
 |
You even need to insure your house on fire & home content or buy all risk insurance if you pay cash for your home.This is because you have invested in your home & it become your personal use asset.Thus in the event of fire when your home is destroy, it would result a financial loss where you have to use your savings to rebuilt your home back to origin.Unless money is no issue to you, then go ahead & self insured.
Even rich people borrow money to invest in property cos that is one of the smart way to grow their wealth. According to time value of money for financial planning, the interest that you pay for your mortage loan vs the opportunity that the loan amount for your home can be invested to give you more return to grow your net worth need to be weigh to see how you can better maximise your money to increase your wealth.
Remember:
1) Don't risk a lot for a little
- risk refer to any financial risk that can happen to your
home
-little refer to the little premium that cover the loss amount
You would need to pay for the ultility bills, agent commission for the sale of the house, renovation & furnish cost if you need to renovate your home. |
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MartinM
 |
No doubt the easiest way to get insurance quotes is on the web.
Why would you waste your time on the phone calling around?
the last time i needed quotes on insurance i used one of these comparison sites and it was great.
this is the site i used and it was quick like less than 5 mins.
The last thing I want to do is listen to elevator music while waiting for a salesman.
Anyway I got good quotes and ended up saving money so I was happy.
So shop around and compare quotes which is easy on the net.
Good starting point is at this site.
http://insurance.deal4-you.com
Good luck. |
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balloon buster
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Not that I know of, but you'd be wise to get some. Especially liability, because if you have that kind of money there will surely be predators looking for a way to take it from you.
With a house comes need for electricity, gas, water, sewer and trash. Also there may be special fees and assessments in your subdivision. |
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CommonCents
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Insurance is your call if there is no mortgage. It would be foolish to not have some coverage.
You would be crazy not to have title insurance too, and will probably need an escrow company or attorney to handle the closing.
Unless you are loaded, paying cash for a house isn't too smart. |
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Heather M
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No you are not required to have it. Only when your home is financed do the lenders require it. That said, you should carry the insurance because if the home would be damaged or burn down you would be entirely out of pocket.
As for the second question, there should be no other expenses besides taxes and possibly utilities. |
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canyonview11
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No, but seriously consider it! (Only a lender requires home insurance for their 'insurance' on your property.) Since you have full equity in your home, don't you also feel you could think like a lender, and for security reasons still purchase home insurance? For safety sake?
Other costs: yes - utilities, yard maintenance - all this depends on where you live (snow areas require a bit of heat for pipes to not freeze; humid areas require a bit of air conditioning to prevent mold; neighborhood is to be considered regarding keeping up a front yard), etc. |
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